Your Retirement Income Framework

You worked hard. You saved and invested. Now you’re at the doorstep of retirement – at least you think you may have enough – and you wonder, “How the heck do I replace this paycheck I’ve been getting every two … Continue reading

The Equifax Data Breach And What You Need To Know

You likely have read that hackers broke into the Equifax database (one of the three major credit bureaus) and stole personal information tied to 143 million people – more than half of the U.S.’s adult population.  The hackers accessed people’s … Continue reading

Commentary on Risk and Return Assumptions

It is an uncertain task when estimating future risk and return levels of stocks and bonds. Yet in proper retirement planning and investment planning we must do just that. As a firm philosophy, we do our very best to have … Continue reading

Maximizing Your Pension Benefits

For those fortunate enough to have an employer-provided pension, opportunities exist to make smart choices in regards to the pension election decision and to maximize the benefits from the pension. Retirees Are Happier With Pensions Many studies in the U.S. … Continue reading